Some, such as Edna, accept investor money from their students. 

@Luke Hoffman your insurance carrier would like to see you request $300k, but most will accept $100k.  

Someone else will accept even more negative cash flow?

@Gustavo Zamora, you are correct that sometimes the terms of a deal (type of financing, seller assist, inspections, etc) can affect whether a seller accepts your offer or not.

If you are not using a lender then you can accept the title with defects.

You could ask them what they need from you to provide more information and ask what information they will provide if you give them what they are asking for.For example, a lot of realtors will not provide much info until a PA is submitted and accepted along with proof of funds. 

I was talking about my passion for national parks and finding killer locations within certain parks that are not "mainstream" but having been gaining popularity over the years.

If you are applying for a conventional mortgage the guideline states "A minimum history of 2 years of commission income is recommended; however, commission income that has been received for 12 to 24 months may be considered as acceptable income, as long as there are positive factors to reasonably offset the shorter income history"So less than 2 years is possible. 

And after all, they ARE accepting the full risk of repayment should you fail.

You can list it as a short-term 3-month rental, but must accept all applicants who would otherwise qualify.